{"id":86175,"date":"2020-12-03T12:00:58","date_gmt":"2020-12-03T12:00:58","guid":{"rendered":"https:\/\/www.pbctoday.co.uk\/news\/?p=86175"},"modified":"2020-12-03T12:00:58","modified_gmt":"2020-12-03T12:00:58","slug":"pi-insurance","status":"publish","type":"post","link":"https:\/\/www.pbctoday.co.uk\/news\/building-control-news\/pi-insurance\/86175\/","title":{"rendered":"Campaign to tackle \u2018shameful\u2019 removal of fire safety from PI insurance"},"content":{"rendered":"

\u2018Shameful\u2019 removal of fire safety from professional indemnity insurance leaves building owners uninsured in Grenfell aftermath, warns Ingleton Wood<\/a><\/h2>\n

Ingleton Wood has raised concerns over fire safety issues being increasingly excluded from professional indemnity insurance policies following the Grenfell Tower inquiry<\/a>.<\/p>\n

These exclusions are leaving building owners such as schools, hospitals and businesses at risk of being uninsured.<\/p>\n

Ingleton Wood has launched a campaign to tackle \u201cshameful\u201d so-called \u2018fire carve-outs\u2019 or policy exemptions which the firm says are becoming increasingly common in the professional indemnity<\/a> (PI) market.<\/p>\n

Ingleton Wood is calling on the government to take urgent action such as underwriting the policies to ensure all consultancies are comprehensively insured, including for fire-related inspections and designs.<\/p>\n

Consultants and professionals in the construction industry take out PI insurance to cover the cost of negligence claims that clients could make against them if an incident \u2013 such as a building fire<\/a> \u2013 was caused by an error in design or a failure in specification.<\/p>\n

The pressure of the Grenfell Tower tragedy inquiry has caused many underwriters to leave the PI insurance market due to higher risks, such as cladding<\/a>.<\/p>\n

As a result, insurers are hiking up premiums or reducing the amount of cover provided.<\/p>\n

Fire carve-outs are ‘shameful documents’<\/h3>\n

The Royal Institute of British Architects<\/a> (RIBA) has acknowledged PI cover is \u201cbecoming more and more challenging\u201d and has pledged to help the industry tackle the issue.\u201d<\/p>\n

David Cresswell, partner at Ingleton Wood, said: \u201cWe are very concerned about the rising prevalence of fire safety exclusions in professional indemnity policies.<\/p>\n

\u201cFire carve-outs are shameful documents and essentially mean consultants would be uninsured for any passive or active fire issues, retrospectively as well as in the future.<\/p>\n

\u201cAs we understand it, many other consultants are taking reduced cover as they simply cannot afford the full cover. This is a hugely damaging position for the industry and will no doubt have wider ramifications for building owners and occupiers.<\/p>\n

\u201cThe built environment<\/a> relies on competent consultants to apply the regulations in order to safeguard us all.<\/p>\n

“It is therefore time for the government to step in with greater regulation or, even better, to underwrite the insurance itself.<\/p>\n

“We are also lobbying local MPs, industry regulators and other stakeholders to help tackle this very serious issue.\u201d<\/p>\n

\n<\/div>","protected":false},"excerpt":{"rendered":"

\u2018Shameful\u2019 removal of fire safety from professional indemnity insurance leaves building owners uninsured in Grenfell aftermath, warns Ingleton 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